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Our assurance for your travels

SHOP ONLINE FOR TRAVEL INSURANCE

As the excitement of travelling to a new country builds up, the unpredictability of flight delays, cancellations, and other unfortunate circumstances can really dampen your holiday spirit! Fairfirst Insurance offers you protection so you can travel with ease and a peace of mind. Soar the skies and explore the world with Fairfirst Insurance.

Conditions

Particulars of cover and exclusions given above are not complete or exhaustive. For more details please call us on 0112 428 428 or visit one of our nearest branches.
Benefit Scheme Worldwide A (US $) Worldwide B (US $)
Accidental Death And Dismemberment Benefit (24 Hrs)$15,000$10,000
Accidental Death And Dismemberment Benefit (Common Carrier)$5,000N/A
Accident & Sickness Medical Expense Benefit
Deductible
$100,000
$100
$50,000
$100
Sickness Dental Relief
Deductible
$400
$150
$300
$150
Baggage delay benefit
Deductible
$200
6 Hours
$100
6 hours
Baggage loss benefit – Checked$1,000$500
Repatriation in the case of illness or accident IncludedIncluded
Loss of passport benefit
Deductible
$250
$30
$250
$30
Personal liability benefit
Deductible
$200,000
$200
$100,000
$200
Emergency cash advance$1,000$500
Trip Cancellation$1,000$500
Trip Curtailment$1,000$500
Automatic extension of policy up to 7 days Available Available

The following covers are available for insured persons aged 56 – 71 regardless of plan or option purchased.

Hospital room and board and hospital miscellaneousMaximum of $1,500 per day up to 30 days
Intensive care unitMaximum of $3,000 per day up to 7 days
Surgical treatmentMaximum $10,000
Anesthetist servicesUp to 25% of surgical treatment
Physicians visitMaximum $75 per day up to 10 visits
Diagnostic and pre-admission testingMaximum $500
Ambulance servicesMaximum $400

FAQs

Why do I need Travel Insurance?

Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect your travels, whether for business or leisure. Travel Insurance protects you from such perils by ensuring that you are not left stranded in any kind of emergency.

Who can apply for Fairfirst Travel Insurance?

If you are a permanent resident in Sri Lanka and are undertaking travel to an overseas destination, you can apply for Fairfirst Travel Insurance.

Who can be insured under Travel policy?

Single Cover

The Policy covers you if you are under 75 years of age.

Family Special Cover

The Policy covers you if you are below 65 and your financially dependent children or grandchildren, who are above six months and under 23 years of age, plus your spouse or any adult Travelling Companion named in the Certificate of Insurance, all of whom must travel with you.

Can I buy travel insurance if I am aged 75+ ?

Fairfirst Senior Citizen Travel Insurance is available and valid only for travellers aged between 76 years and 85 years at the date of departure. This policy is subject to satisfactory medical certificate.

What are the medical expenses limits available under FF Travel Insurance?

The medical expenses limits are dependent on the type of the Plan you choose according to your travel destination.

• Platinum Plan – USD 100,000
• Gold Plan – USD 50,000
• Bronze Plan – USD 25,000
• Annual Multi-trip Plan – USD 100,000
• Family Special Plan – USD 50,000 (Per family member)
• Senior Citizen Plan – USD 50,000
• Student Plan – USD 100,000 & USD 50,000

What is the maximum duration under FF Travel Insurance?

Individual Plans – Platinum/Gold/Bronze/Senior Citizen
Up to 180 days

Family Plan
Up to 35 days

Student Plan
Up to 365 days

Annual Multi-trip Plan
Up to 45 days per trip

What are the benefits (covers) available under FF Travel Insurance Policy?

• Accident & Sickness Medical Expense
• Accidental Death and Dismemberment
• Sickness Dental Relief
• Baggage Delay
• Emergency Medical Evacuation (Transport or repatriation in case of illness or accident)
• Hijacking
• Loss of Passport
• Personal Liability
• Repatriation of mortal Remains
• Trip Delay
• Trip Cancellation
• Trip Curtailment
• Automatic extension of Policy (up to 7 days)
• Emergency Cash Advance
• Travel Assistance Services
• Home Away Protection

Can I extend my policy while I’m away?

Yes you can, prior to the expiry date of your original Policy, apply for an extension of your original Policy by payment of the required premium.

You will be required to confirm your travel arrangements at the time of obtaining the Policy and we will review this information and your claims history, before we decide on your application for extended cover. Terms and conditions may apply or we may decide not to offer an extension.
Cover must not exceed a period of 12 months in total from the departure date on your original Certificate of Insurance.

When does the cover begin?

The Insurance cover commences on the day specified in the Policy Schedule or the time you board the conveyance to leave for onward overseas journey or the commencement date as per the policy, whichever is later.

Till when is the policy valid?

Insurance Cover shall terminate (i) with the end of Insurance Period i.e. the period for which the premium has been paid or (ii) when the insured person first disembarks on return to Sri Lanka.

Which destination should I choose?

You should select the travel plan designated for your destination. If you have a multiple destination itinerary you should select the travel plan for the destination where you will spend the majority of your Trip overseas. FF Travel Insurance offers territorial limits as follows.

– Worldwide including USA & Canada
– Worldwide excluding USA & Canada
– Asian Countries excluding Japan

What are the Excluded Destinations?

This policy will not cover any loss, damage or legal liability arising directly or indirectly from travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, or Syria.

Will I get a refund if I cancel my policy?

You can get your policy cancelled only if you have not undertaken the journey due to acceptable reason such as visa refusal & family emergency and you produce your passport as a proof that the journey has not been undertaken. Any such request of cancellation will be entertained up to 14 days after the first date of insurance as indicated in the schedule of the policy. In case of cancellation of your policy, a specified amount will be deducted as administration charges, from the refundable amount.

What adventure activities are not covered?

Hunting, racing other than on foot, playing polo, professional sport, mountaineering or rock climbing using ropes or climbing equipment (other than hiking), pot holing, or travelling in international waters in a private sail vessel or privately registered sail vessel. This list is not exhaustive should you have further queries please contact our call centre and/or review the policy wording.

What if I have an Existing medical condition?

You should declare your medial conditions to us prior to purchasing the Travel Policy. Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

Who do I contact for emergency assistance whilst overseas?

In the case of an emergency from anywhere is the world, call Euro Center on + 6626963667. Euro Center is our International Travel Assistance Service Provider. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims.

 
 
What is the documentation required under various sections?

Type of claimDocuments requiredProcedure

Accidental Death


The beneficiary of the insured should submit the following;


  • Claim form

  • Birth certificate

  • Death certificate

  • Post mortem report

  • Policy certificate

FF Insurance Claims Dept. will advise upon receipt of claim notification for any additional documentation/ information


In case of a death or dismemberment whilst on a common carrier, all documents pertaining to the loss including correspondence with carrier should be submitted.


Accidental Dismemberment


Same as Emergency Accident Sickness Medical Expenses claims


Overseas Emergency Accident & Sickness Medical Expenses (Outside Sri Lanka)


  • Claim form

  • Doctor's report

  • Original administration/ discharge card

  • Original bills/ receipts/ prescriptions

  • Original X-Ray reports/ pathological/ investigative reports

  • Copy of passport/ visa with entry and exit stamp

  • Policy certificate

All claims exceeding USD 250 must be notified to Assistance Company and you should obtain a reference number from them.


In case of hospitalization, please keep all your medical reports / bills/ invoices/ receipts safely.


Fill in the claim form and send all documents to our Corporate Office.


Sickness Dental Relief


Same as Emergency Accident Sickness Medical Expenses claims


For accidental injuries to sound natural teeth only - Fill in the claim form and send all documents to our Corporate Office


In-Hospital Indemnity Benefit


Same as Emergency Accident Sickness Medical Expenses claims


Keep the original administration and discharge card


Delay of Baggage


  • Claim Form

  • Copy of the passport / visa with entry & exit stamp

  • Copies of baggage tags

  • Copies of correspondence with the Airline authorities about the delay

  • Original bills / receipts / invoices pertaining to expenses incurred / purchases made during the period of delay

  • Details of compensation received from Airlines / other authorities, if any Property irregularity report (obtained from airline / common carrier)

Obtain confirmation of the delay from the airline


Keep a record of hours of delay from the scheduled time


Keep receipts of all additional expenses incurred due to the delay


Fill in the Claim Form and send all documents to our Corporate Office


Common Carrier Baggage Loss


  • Claim Form

  • Copy of the passport / visa with entry and exit stamp

  • Copies of baggage tags

  • List of contents including the estimated price & date of purchase of each item containing the baggage

  • Proof of purchase / invoices / bills relevant to items lost

  • Copies of correspondence with the airline authorities / common carrier / others about loss of checked luggage

  • Property irregularity report (obtained from airline / common carrier)

  • Details of compensation received from airline / common carrier, if any

Intimate the airline / common carrier about your loss and lodge complaints.


All records pertaining to your complaint and their response should be submitted.


Keep a track of your checked-in and delivered luggage weight.


Fill in the Claim Form and send all documents to our Corporate Office


Trip Cancellation


  • Claim Form

  • Original travel tickets / bills of prepaid non-refundable expenses (travel and accommodation only)

  • FF Insurance Claims Department will advise upon receipt of claim notification for any additional documentation / information

Trip Curtailment


  • Claim Form

  • Original travel tickets / bills of prepaid non-refundable expenses (travel and accommodation only)

  • FF Insurance Claims Department will advise upon receipt of claim notification for any additional documentation / information

Hijacking


  • Full statement of the events in writing

  • Airline correspondence / briefings regarding the event

  • Ticket / boarding pass

Fill in the Claim Form and send all documents to our Corporate Office


Loss of Passport


  • Copy of new passport

  • Original bills / invoices of expenses incurred for obtaining a new passport

  • Copy of police report

  • Copy of the complaint made to the Sri Lankan Consulate / relevant authorities

File a complaint with the local police.


Contact the Sri Lankan embassy / consulate wherever possible.


Submit all documents to our corporate office at the address given below, along with a detailed statement.


Personal Liability


Full statement of the facts in writing


Witness statements


  • Any other documents relevant to the incident, including summons, legal notices etc.

  • Any other information relevant to the incident

Contact Euro Center immediately.


Do not commit any benefit / compensation or enter into any agreements.


Submit all documents along with a detailed statement.


Trip Delay


  • Claim Form

  • Original bills of purchases made / expenses incurred during the delay

  • Copy of ticket and boarding pass

  • Copies of correspondence with the Airline authorities certifying about the delay

Please obtain a written clarification from the airline / common carrier regarding the delay and the cause of delay.


Keep a record of hours of delay from the scheduled time.


Fill in the claim form and send all documents to our Corporate Office at the address given below.


Home Away Protection


  • Claim Form

  • First statement made to the police

  • Documents to substantiate the lost/damage items (estimates / repair invoices, bills etc.)

  • Photographs of damaged household contents

Please request a trusted relative to rush to your residence as soon as you come to know the incident.


Please obtain a Policy Report


Fill in the claim form and send all documents to our Corporate Office at the address given below.


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